About Us

Since 1883, Modern Woodmen of America has brought people together, supported families and strengthened communities.

About Us
Modern Woodmen of America, Rock Island, IL

Looking for a meaningful career?

Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community.

Financial Planning

We can help you meet your current needs, achieve your future dreams and plan for all stages of life.

Planning for Life
Stories of strength from our history
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Persevering Through Uncertain Times

Our Products

Modern Woodmen maintains a portfolio of high-quality financial products that can help you meet a wide range of life needs.

Our Products
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Financial planning

Browse our helpful tips and articles to understand what’s important to you and your loved ones.

My Membership

When you join Modern Woodmen, you become a member of the organization. You trust us with your financial needs. And you have the opportunity to access fraternal member programs and impact your community.

My Membership
Member Website
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Member Website Overview

Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.

​What would happen to my business if a key employee dies?


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Business planning
Article Hero Image
Business planning

A key employee can be an owner, a top-producing salesperson, a manager or another person whose contributions are critical to the success and survival of your business.

When a key employee dies, it can create a crisis, along with numerous questions. Who’s the new “go-to” person? Will you suddenly be at a competitive disadvantage? Will you lose relationships with customers and vendors? Will your sales be negatively impacted?

Most small- and medium-sized businesses will need to find a replacement for key employees. The process to locate, hire and train a new employee takes time and money (including lost revenues).

This money could come from existing savings, a loan or life insurance proceeds. Life insurance on a key employee is a cost-effective way to protect your business against the employee's premature death.

How? The business owner can get written consent from the key employee to purchase a life insurance contract on him/her. The employer is the owner, beneficiary and premium payer of the life insurance. Upon the key employee's death, the business receives the death benefit. This is intended to help maintain the company’s stability during the time it takes to replace the key employee.

Your financial representative

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Cameron Cameron
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Additional products and services

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Universal life insurance

Universal life insurance

Universal life insurance is a kind of permanent life insurance coverage that provides flexible protection and cash accumulation that you can adjust as your needs change.